Are you tired of overpaying and want more affordable insurance rates in Henderson, NV? Henderson drivers have many options when trying to find the best price on Chevy Silverado insurance. They can either waste time struggling with agents to compare prices or utilize the internet to compare rates.
There is a better way to compare insurance rates and you need to know the best way to price shop coverage on a Chevy and obtain the best price possible from Henderson insurance agents and online providers.
Shockingly, a large majority of consumers have remained with the same insurance company for over three years, and almost half have never quoted insurance rates at all. Henderson insurance shoppers could save about 35% every year just by getting comparison quotes, but they don't want to take the time to go online and compare rates.
Companies offering Chevy Silverado insurance in Nevada
The companies in the list below offer price comparisons in Henderson, NV. If multiple companies are shown, we suggest you visit as many as you can in order to find the cheapest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Silverado LS Regular Cab 2WD||$236||$330||$456||$26||$136||$1,184||$99|
|Silverado LS Regular Cab 4WD||$192||$266||$404||$24||$120||$1,006||$84|
|Silverado LT Regular Cab 2WD||$134||$232||$358||$22||$108||$854||$71|
|Silverado LT Regular Cab||$272||$402||$456||$26||$136||$1,292||$108|
|Silverado LS Extended Cab 4WD||$228||$470||$324||$20||$96||$1,138||$95|
|Silverado LT Extended Cab 4WD||$144||$290||$372||$22||$112||$940||$78|
|Silverado LT Extended Cab 2WD||$238||$402||$348||$20||$104||$1,112||$93|
|Silverado LS Extended Cab 2WD||$126||$248||$394||$24||$118||$910||$76|
|Silverado LT Crew Cab 4WD||$258||$554||$324||$20||$96||$1,252||$104|
|Silverado LS Crew Cab 2WD||$142||$306||$394||$24||$118||$984||$82|
|Silverado LS Crew Cab 4WD||$188||$374||$348||$20||$104||$1,034||$86|
|Silverado LT Crew Cab 2WD||$170||$324||$334||$20||$100||$948||$79|
|Silverado LTZ Extended Cab 2WD||$142||$292||$366||$22||$110||$932||$78|
|Silverado LTZ Extended Cab 4WD||$232||$486||$348||$20||$104||$1,190||$99|
|Silverado LTZ Crew Cab 2WD||$166||$298||$348||$20||$104||$936||$78|
|Silverado LTZ Crew Cab 4WD||$162||$292||$314||$18||$94||$880||$73|
|Silverado Crew Cab Hybrid 2WD||$210||$496||$400||$24||$120||$1,250||$104|
|Silverado Crew Cab Hybrid 4WD||$206||$422||$416||$24||$124||$1,192||$99|
|Get Your Own Custom Quote Go|
Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Nevada minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Prices do not factor in Henderson location which can change auto insurance rates significantly.
Careless driving habits raise auto insurance rates
The chart below shows how traffic citations and accidents influence Chevrolet Silverado premium costs for each age group. The premiums assume a single female driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
Cheaper rates by getting these eight discounts
The price of auto insurance can be rather high, but you may find discounts to cut the cost considerably. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be inquired about before they will apply.
- Online Discount - Many car insurance companies will provide an incentive for buying your policy digitally online.
- Auto/Home Discount - If you insure your home and vehicles with one company they may give you a discount of at least 10% off all policies.
- Savings for New Vehicles - Buying a new car instead of a used Silverado can save up to 30% because newer models have to meet stringent safety requirements.
- Pay Now and Pay Less - By making one initial payment instead of paying each month you may have a lower total premium amount.
- Theft Deterrent - Cars with anti-theft systems are stolen less frequently and can earn a small discount on your policy.
- Discounts for Federal Employees - Having worked for a branch of the government may qualify for a discount when you quote Henderson car insurance depending on your company.
- Passive Restraints - Factory air bags and/or automatic seat belt systems could see savings as much as 30%.
- Discount for Swiching Early - Some larger companies give discounts for switching to them before your current Silverado insurance policy expires. You can save around 10% with this discount.
One last thing about discounts, many deductions do not apply to the overall cost of the policy. Most cut individual premiums such as comp or med pay. So even though you would think all the discounts add up to a free policy, nobody gets a free ride.
Companies that have these money-saving discounts are:
Double check with every prospective company what discounts are available to you. Some discounts listed above may not apply everywhere.
Can't I get rate quotes from local Henderson car insurance agents?
Many people still prefer to talk to an insurance agent and often times that is recommended Licensed agents can answer important questions and help submit paperwork. One of the benefits of price shopping on the web is that drivers can save money and get cheap insurance rates and still have an agent to talk to. Buying from and supporting small agencies is definitely important in Henderson.
By using this simple form, your insurance data is emailed to local insurance agents who can give free rate quotes for your insurance coverage. You won't need to contact any agents due to the fact that quote results will go to you instantly. If you need to compare prices from a particular provider, you would need to jump over to their website to submit a rate quote request.
If you want to use a reliable insurance agency, you need to know there are two different types of agents and how they can service your needs differently. Agencies in Henderson can either be independent or exclusive depending on the company they work for. Both can sell and service insurance coverage, but we need to point out how they are different because it can impact which type of agent you select.
Independent Insurance Agents (or Brokers)
Agents of this type are appointed with more than one company and that allows them to write policies through lots of different companies and get the cheapest rates. If your agent finds better pricing, an independent agent can move your coverage and you don't have to switch agencies. When comparing rate quotes, it's a good idea to compare quotes from at a minimum one independent agency to ensure the widest selection of prices. Most have the option of insuring with lesser-known insurance companies which can save you money.
Listed below is a list of independent insurance agencies in Henderson that can give you price quote information.
- High Desert Insurance Agency
140 E Horizon Dr - Henderson, NV 89015 - (702) 558-8587 - View Map
- Safeco Insurance
2736 Marie Antoinette St - Henderson, NV 89044 - (866) 694-9046 - View Map
- Carl R Forman Insurance Agency
70 E Horizon Ridge Pkwy - Henderson, NV 89002 - (702) 732-7675 - View Map
Exclusive Insurance Agencies
Agents of this type normally can only provide a single company's rates like Allstate and State Farm. Exclusive agents cannot give you multiple price quotes so they really need to provide good service. Exclusive agencies are well schooled on their products and sales techniques and that enables them to sell even at higher rates. Consumers frequently buy from exclusive agents partially due to the brand name rather than low price.
Shown below are exclusive agents in Henderson that can give you rate quotes.
- American Family Insurance - Sean Stewart Agency Inc.
2520 St Rose Pkwy #103 - Henderson, NV 89074 - (702) 479-1570 - View Map
- Farmers Insurance: Dean Dorn
1021 Whitney Ranch Dr - Henderson, NV 89014 - (702) 458-4944 - View Map
- Leon Pearson Jr - State Farm Insurance Agent
1730 W Horizon Ridge Pkwy #110 - Henderson, NV 89012 - (702) 457-0306 - View Map
Choosing an auto insurance agent requires more thought than just the bottom line cost. Agents should be asked these questions:
- If you are a high risk driver, do they have special markets for your coverage?
- Do they reduce claim amounts on high mileage vehicles?
- If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
- Will the agent help in case of a claim?
- Which family members are covered?
- Do they have 24-hour customer assistance?
Parts of your auto insurance policy
Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Silverado.
Since a lot of drivers have only the minimum liability required by law (15/30/10), it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are set the same as your liability limits.
This coverage will cover damage that occurs to other people or property in an accident. This coverage protects you against other people's claims, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 15/30/10 that translate to $15,000 in coverage for each person's injuries, a total of $30,000 of bodily injury coverage per accident, and a limit of $10,000 paid for damaged property. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.
Liability coverage protects against things such as repair bills for other people's vehicles, court costs and legal defense fees. The amount of liability coverage you purchase is a personal decision, but you should buy as much as you can afford. Nevada requires drivers to carry at least 15/30/10 but you should consider buying better liability coverage.
Collision coverage pays for damage to your Silverado resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.
Collision can pay for claims like crashing into a building, rolling your car, damaging your car on a curb and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from older vehicles. It's also possible to choose a higher deductible on your Silverado to save money on collision insurance.
Comprehensive auto insurance
This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things like a broken windshield, theft, vandalism, damage from getting keyed and hail damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle's value it's not worth carrying full coverage.
Coverage for medical expenses
Med pay and PIP coverage reimburse you for bills such as rehabilitation expenses, chiropractic care and hospital visits. They can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers both the driver and occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
As you prepare to switch companies, don't be tempted to buy lower coverage limits just to save a few bucks. In many cases, an insured dropped full coverage only to find out they didn't purchase enough coverage. The ultimate goal is to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
People change insurance companies for any number of reasons including questionable increases in premium, high rates after DUI convictions, poor customer service or even policy non-renewal. It doesn't matter why you want to switch switching car insurance companies is less work than it seems.
A few companies do not offer online price quotes and these smaller companies only sell through independent agents. Affordable Chevy Silverado insurance in Henderson is available online as well as from insurance agents, so you should compare both to get a complete price analysis.
Much more information about car insurance in Nevada can be read at these links:
- Understanding Car Crashes Video (iihs.org)
- Who Has the Cheapest Nevada Auto Insurance Quotes for Drivers with Accidents? (FAQ)
- Who Has Cheap Auto Insurance Rates for Drivers Over Age 70 in Nevada? (FAQ)
- Who Has Affordable Nevada Auto Insurance Rates for a Ford Fusion? (FAQ)
- What is the Cheapest Car Insurance in Las Vegas, Nevada? (FAQ)
- Who Has Affordable Nevada Car Insurance Rates for a 20 Year Old Male? (FAQ)
- Who Has Affordable Nevada Auto Insurance for a Toyota Tacoma? (FAQ)
- How Much is Auto Insurance for Immigrants in Nevada? (FAQ)
- How to shop for a safer car (Insurance Institute for Highway Safety)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Automakers compete to add autobraking (Insurance Institute for Highway Safety)
- Determing Auto Insurance Rates (GEICO)